Price Books don't cut it

Price Books don't cut it

I was really hoping that Zoho was the right CRM product for me, but hope is waning. 
When I saw Price Books, given the game, I assumed I could make it work, but it is not working out that way.

We sell products and installation (service). Missouri has one labor rate and Illinois has a different labor rate. Plus, I want to offer two tiers of pricing. Basically, I want this.

MO labor ($100/hour) and standard product pricing (+40% markup)
MO labor ($100/hour), preferred product pricing (+30% markup)

IL labor ($110/hour) and standard product pricing (+40% markup)
IL labor ($110/hour), preferred product pricing (+30% markup)

The Price Book seems to only be capable of a total invoice mark up or mark down. I **never** discount my labor rate. Only my material. 

Any ideas on how to make this work? I really want four parallel price lists and be about to choose which one. I was even thinking of creating a workflow that if the Lead ZIP code was an IL ZIP code, only use the IL price lists, etc.